Learn about Chase business credit cards, including rewards, how to apply, and top choices. Perfect for business owners wanting cashback, travel perks, and financial growth.
Why Chase Business Credit Cards Are Essential for Your Business
In today’s competitive market, managing cash flow and expenses is critical. Chase Business Credit Cards are designed to help businesses earn rewards, track spending, and access exclusive benefits. Whether you’re a freelancer, small business owner, or run a large company, these cards offer tools to save money, simplify bookkeeping, and grow your business.
Key Benefits of Chase Business Credit Cards
Chase cards are packed with features tailored for business needs:
Rewards on Everyday Spending
- Earn cashback or points for office supplies, internet bills, travel, and more.
- Example: The Ink Business Cash gives 5% cashback at office supply stores.
Large Sign-Up Bonuses
Many cards offer bonuses like 750 cash back after spending 6,000 in 3 months.
Free Employee Cards
- Issue cards to your team with custom spending limits. Track expenses in real time.
No Foreign Transaction Fees
- Save money on international purchases with cards like the Ink Business Preferred.
Expense Management Tools
- Use Chase’s online dashboard to categorize spending, generate reports, and export data to QuickBooks.
Travel Insurance and Protections
- Cards like the Southwest Rapid Rewards include trip cancellation insurance and baggage delay coverage.
Top 7 Chase Business Credit Cards Compared
Here’s a detailed comparison of the best Chase cards for different business needs:
Ink Business Unlimited Credit Card
- Rewards: 1.5% cashback on every purchase.
- Sign-Up Bonus: 750 cash back after 6,000 spend in 3 months.
- Annual Fee: $0
- Best for: Startups or businesses wanting simple, flat-rate rewards.
- Eligibility: Good credit score (670+).
Pros:
- No annual fee.
- Unlimited cashback with no spending caps.
Cons:
- Lower rewards rate compared to category-specific cards.
Ink Business Cash Credit Card
- Rewards: 5% cashback at office supply stores, phone/internet bills; 2% on gas/dining.
- Sign-Up Bonus: 750 cashback (350 + $400) after meeting spending targets.
- Annual Fee: $0
- Best for: Small businesses with office or telecom expenses.
Pros:
- High cashback on office supplies.
- No annual fee.
Cons:
- Rewards cap at $25,000/year in bonus categories.
Ink Business Preferred Credit Card
- Rewards: 3x points on travel, shipping, and online ads (up to $150K/year).
- Sign-Up Bonus: 90,000 points (worth 1,125 in travel) after 8,000 spend.
- Annual Fee: $95
- Best for: Businesses spending heavily on ads or travel.
Pros:
- High-value travel rewards.
- Cell phone protection ($600/year) included.
Cons:
- $95 annual fee.
Southwest Rapid Rewards Performance Business Card
- Rewards: 4x points on Southwest flights; 2x on ads and internet bills.
- Sign-Up Bonus: 80,000 points after $5,000 spend.
- Annual Fee: $199
- Best For: Frequent Southwest Airlines travelers.
Pros:
- Free Southwest Companion Pass® after $125K annual spend.
- 4 upgraded boarding per year.
Cons:
- High annual fee.
Ink Business Premier Credit Card
- Rewards: 2.5% cashback on large purchases ($5K+); 2% on everything else.
- Sign-Up Bonus: 1,000 cashback after 10,000 spend.
- Annual Fee: $195
- Best For: Businesses making big purchases regularly.
Pros:
- High cashback on large transactions.
- No foreign transaction fees.
Cons:
- High annual fee.
United Business Card
- Rewards: 2x miles on United flights, dining, gas stations, and office supplies.
- Sign-Up Bonus: 100,000 miles after $10,000 spend.
- Annual Fee: $99
- Best For: Companies frequently flying United.
Pros:
- Free checked bags for you and your employees.
- United Club membership discounts.
Cons:
- Limited to United Airlines rewards.
Amazon Business Prime Credit Card
- Rewards: 5% back at Amazon Business, AWS, and Whole Foods.
- Sign-Up Bonus: $200 Amazon gift card after approval.
- Annual Fee: $0
- Best For: Businesses relying on Amazon for supplies.
Pros:
- High rewards on Amazon purchases.
- No annual fee.
Cons:
Requires Amazon Prime membership.
How to Choose the Best Chase Card for Your Business?
Follow these steps to pick the right card:
Analyze Your Spending
- Track your monthly expenses for 30 days.
- Identify top categories (e.g., travel, office supplies, advertising).
Match Spending to Rewards
- Pick a card that offers bonus rewards in your top spending areas.
- Example: If you spend $2,000/month on ads, the Ink Preferred earns 3x points.
Compare Annual Fees vs. Rewards
- Calculate if the card’s rewards outweigh its annual fee.
- Example: The Ink Preferred 95 fee is offset by its 90,000-point bonus (worth $ 1,125).
Check Eligibility Requirements
- Most Chase cards require a 670+ credit score.
Plan for Sign-Up Bonuses
- Time your application around large purchases to meet bonus spending requirements.
Step-by-Step Guide to Applying for a Chase Business Credit Cards
Here’s how to apply successfully:
Check Your Credit Score
- Use free tools like Credit Karma or Experian. Aim for a score of 670+.
Gather Required Documents
Business Details:
- Legal business name and address.
- Tax ID (EIN) or Social Security Number (for sole proprietors).
- Annual revenue and years in business.
Personal Information:
- Social Security Number.
- Personal income (include salary, rental income, etc.).
Pre-Qualify (Optional)
- Use Chase’s online pre-qualification tool to check eligibility without hurting your credit score.
Complete the Online Application
- Visit Chase’s business credit card page.
- Click “Apply Now” on your chosen card.
- Enter business and personal details.
- Review and submit.
Wait for Approval
- Instant Approval: Receive a decision within minutes.
- Pending Review: Chase may request additional documents (e.g., tax returns, bank statements).
Activate and Use Your Card
- Receive your card in 7–10 business days.
- Activate it via Chase’s website or mobile app.
Tip: If denied, call Chase’s reconsideration line (1-888-270-2127) to plead your case.
How to Maximize Your Chase Card Rewards?
Unlock the full value of your card with these strategies:
Hit the Sign-Up Bonus
- Plan large purchases (e.g., equipment, inventory) during the bonus period.
Combine Points with Personal Cards
- Pair your business card with a Chase Sapphire Preferred® to boost travel rewards by 25%.
Use Bonus Categories
- Schedule bulk purchases (e.g., office supplies) during quarters with 5% cashback.
Redeem Points for Maximum Value
- Transfer points to Chase partners like Hyatt or United for luxury travel.
Track Expenses with Chase Tools
- Use the Spend Analyzer to identify tax deductions and cut unnecessary costs.
Managing Your Chase Business Credit Card
Keep your account secure and organized:
Set Up Account Alerts
- Get notifications for due dates, large purchases, or suspicious activity.
Use Employee Cards Wisely
- Assign spending limits to employees and review transactions weekly.
Pay Bills Automatically
- Avoid late fees by enabling auto-pay for the minimum or full balance.
Monitor Your Credit Utilization
- Keep balances below 30% of your credit limit to protect your credit score.
Review Statements Monthly
- Check for errors or unauthorized charges using Chase’s mobile app.
Common Mistakes to Avoid with Chase Business Cards
- Mistake 1: Missing the sign-up bonus deadline.
- Fix: Mark the 3-month deadline on your calendar.
- Mistake 2: Carrying a high balance.
- Fix: Pay off your card monthly to avoid interest charges.
- Mistake 3: Ignoring reward categories.
- Fix: Use the right card for each purchase (e.g., Ink Cash® for office supplies).
- Mistake 4: Not using expense tools.
- Fix: Sync your card with QuickBooks to automate bookkeeping.
FAQs About Chase Business Credit Cards
Q: Can I use my SSN instead of an EIN?
A: Yes! Sole proprietors can apply with their Social Security Number.
Q: Do Chase cards build business credit?
A: Yes, Chase reports to Dun & Bradstreet, Experian, and Equifax.
Q: How do I increase my credit limit?
A: Call Chase or request online after 6 months of on-time payments.
Final Summary: Are Chase Business Credit Cards Worth It?
Absolutely. Whether you want cashback, travel perks, or tools to manage expenses, Chase offers a card to fit your needs. With generous rewards, trusted security, and flexible features, these cards are a smart investment for growing your business.
